Translate this cover ?

[GrinningGSer]

Health Insurance while riding a motorcycle, quote from a current policy
Policy states :
General Exclusions (The Heading )
Any claim that results from any insured person:
Using a motorcycle, scooter, moped or quad bike unless wearing a crash helmet.

Does this mean :
1)all are excluded unless wearing a crash helmet, in which case wearing a crash helmet permits the insurance for these motorcycles ?
2)Motorcycles, scooters , mopeds and quad bikes are excluded from the insurance , but quad bikes are permitted if wearing a crash helmet ?

And another one:
Exclusions:
Any claim as a result of you using a motorcycle. If:
The vehicle is above 125cc and you did not use it to travel from your home area

Does this mean
3) If I ride my big bike, over 125cc from my home area, then I am covered?
4) My big bike is over 125cc and is not covered ?

Which numbers are correct ?

Much debate going on with interest on which interpretations are correct. Thank y'all

 

[leadfarmer]

1 & 3

 

[wessie]

Yes, you can ride your own bike of any size as long as you wear a helmet and you rode it from home

You can ride any machine under 125cc as long as you wear a helmet including hired machines

You cannot ride a hired machine over 125cc

 

[GrinningGSer]

I’ll add another one and all worded on current policies ;

Included Activities
You are covered to do the activities below on your trip.
Motorcycling (up to 125cc, crash helmet must be worn, and you must have a valid UK licence to ride the vehicle,
no cover under Personal Liability)

Does this mean
5) all Motorcycling is permitted
6)Motorcycling only up to 125 cc is permitted wearing a crash helmet

 

[GrinningGSer]

Nat West Black and NatWest Platinum cover is ambiguously worded and today after many phone calls , their Allianz team verbally confirmed that no cover above 125cc
( FYI Their Black wording
Not covered for any claim as a result of ;
If the vehicle is above 125cc, and it is not your mode of transport from your home area)

Furthermore , also today , Staysure verbally, “No cover above 125cc”

BEWARE GS’ers

 

[wessie]

FFS, just go to Tesco, Puffin or Allclear as recommended in other threads and you will not have any of this frustration

 

[GrinningGSer]

Don’t be an arse Wessie “FFS”.. this is a big mistake to make if you’re relying on Nat West Bank, as just one example . Read the small print !

I’ve scanned Tesco and all clear and seems good ( but make your own decision )

 

[PitaNaanRoti]

Nat West Black and NatWest Platinum cover is ambiguously worded and today after many phone calls , their Allianz team verbally confirmed that no cover above 125cc
( FYI Their Black wording
Not covered for any claim as a result of ;
If the vehicle is above 125cc, and it is not your mode of transport from your home area)

Furthermore , also today , Staysure verbally, “No cover above 125cc”

BEWARE GS’ers

See my post about “PRIMARY MEANS OF TRANSPORT”.
The bike is covered in exactly the same way your car would be.